Find out how you can get a mobile phone with bad credit

Bad credit mobile phones – Contract phones for bad credit

Are you looking for contract phones for bad credit? Read our guide to learn how you can get mobile contract phones for bad credit.

If you have ever been turned down for a mobile phone contract because of your credit rating, then it could be because you have missed a repayment or two in the past year or worse, been made bankrupt or received a County Court Judgement.

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Contract phones no credit check

This guide will explain how you can improve your credit rating to increase your chances of being accepted for a mobile phone contract and what alternatives are available to people with bad credit looking for a mobile phone.

People with bad credit should reassess their credit rating by signing up for a credit report and score from one the leading credit reference agencies. The table below shows the most popular credit reports available on the market, with options for a free 30-day trial.

Contract phones no credit check

Unlike taking out a mortgage, loan or credit card, a mobile phone contract may not seem like something you need to apply for. A common misconception is that you can just get a mobile phone contract as long as you have the money.

Mobile phone networks who provide the contract or the phone shop you are buying the contract through will do a credit check to assess how likely it is you’ll be able to keep up with payments each month.

They are also checking the likelihood of you committing fraud. Your credit rating is really the only way they can assess this.

If you have missed payments on your credit card or any other bills, this will bring your credit score down, as will having an unreliable source of income.

For instance, if you are on a zero-hour contract this could lower your chances of being approved for credit or taking out a mobile phone contract. Reliability is key to provider of mobile phone contracts and credit, so they may also take a dim view of someone who moves house regularly.

All of these things can affect your likelihood of approval, but you can read more about what to do if you’ve been refused credit to see how you can start making improvements to your credit score.

You can also use uSwitch to compare the top 10 mobile phone contracts on the market, but remember your application will be subjected to a credit check.

Contract phones for bad credit

If you want to get a mobile phone contract and do not feel a pay-as-you-go mobile phone is a good enough alternative, there are some things you can do to improve your chances.

Firstly, if you’ve never seen your credit report and score then it’s worth checking it through one of the main credit reference agencies. If you’re not sure about paying the monthly fee for one, then consider looking up free credit reports but, with most things that are free, there are some limitations.

Either way, you can get an idea of where your credit score is failing so you can make improvements to it before you apply for your next mobile phone contract.

You can also apply for one of the low-end mobile phones on the market. Mobile phone network providers see a bigger risk in giving someone one of the high-end newer models on a contract, so go as low as possible to increase your chances.

No credit check mobile phone contracts will often include an outdated mobile phone model

No credit check mobile phone contracts will often include an outdated mobile phone model

Likewise, sim-only contracts are better for people with bad credit as there’s no mobile phone involved in the deal. The mobile phone makes up much of the risk involved with a contract, so when you’re only paying for the network the risk goes down.

Aside from this, there are some actions you can take, if you haven’t already, to improve your credit rating.

It’s worth making sure you are registered on the electoral roll at your address and set up direct debits to stay on top of all of your outstanding debts to prevent yourself from missing any repayments. You can see our guide to improving your credit rating for more ideas.

No credit check mobile phones

Beware of companies that say they can give you a mobile phone contract without any credit checks. These contracts come with quite a few caveats you should look out for.

Firstly, no credit check mobile phones are often outdated, so don’t expect to get the latest smartphone or even a smartphone. You are more likely to get heavy build, but perfectly new mobile phone.

If you have no interest in getting a phone that does more than text and call, then this should not matter to you.

Another issue with no credit check mobile phone contracts is that the price is inflated by the fact that there are no credit checks involved.

You could be paying in excess of £30 per month for a good amount of texts and calls, but for a phone that you could probably buy for £60 alone.

As a result, the value you get will be much poorer than with a mobile phone contract that did require a credit check. You’ll also be required to pay for the first month in advance.

It’s also worth remembering that you are still signing up for a contract, so if you’re not happy with the deal or the phone there’s not much you can do until the contract is over.

However, some no credit check deals will let you upgrade to a smartphone after six months or so, depending on how satisfied they are with your reliability.

Paying these bills regularly could make a positive impact on your credit rating with time, so it’s worth considering, but just remember to weigh up whether or not you can get better value for money by reviewing your credit rating and making improvements elsewhere before applying for a mobile phone contract.

Use the comparison table below to compare credit reports and see if another look at your credit report could help you improve your chances of getting a mobile phone contract.

CompanyPriceOther information Apply
30 day free trial
£14.99 a month
Freephone UK call-centre
Email & SMS alerts
30 day free trial
£7.99 a month
Three credit agency checks
Debt advice centre
Identity theft protection
£19.99 One off credit report check
No monthly subscription
30 day free trial
£7.99 a month
Unlimited credit report access
Alerts and tools
Support to improve credit rating
7 day free trial
£14.99 per month
Daily web monitoring
Instant identity notifications
Unlimited credit report access
30 day free trial
£14.95 a month
Weekly alerts
Customer support team

Read more…

• Refused credit? – What to do Find out what your next steps are if you’ve been refused credit
• Unused credit cards – Learn about the possible risks behind having too many credit cards
• Get the right credit card for your credit rating – Find out which card is the right match for you